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Mortgage Checklist

Here is a list of documents we may ask you to provide during your loan process. This list is a guide, and depending on what kind of loan you are applying for, you may require different documents, or only some of these documents. Reach out to one of our loan officers to find out more.

W-2/Salaried Employees

  • Last two years Federal tax returns with all schedules and pages
  • Last two years W-2s and 1099s
  • Last 30 days of pay stubs
  • Last two months of personal bank statements for all accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Legible copy of driver’s license and Social Security card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
  • Proof of Social Security Income, child support and/or alimony payments (if applicable)

 

Self-employed Borrowers

  • Last two years personal Federal tax returns with all schedules and pages
  • K-1s and 1120s for all businesses owned for the last two years (25% ownership or more)
  • CPA letter verifying self-employment
  • Copy of business license (if applicable)
  • Last two months of personal bank statements for all accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Copy of driver’s license and Social Security card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
  • Proof of Social Security Income, child support and/or alimony payments (if applicable)

 

Retired Borrowers

  • Last two Federal tax returns with all schedules and pages
  • Last two years of 1099’s (all)
  • Last social security awards letter
  • Pension awards letter
  • Last two months of personal bank statements for accounts into which the pension and SSI is direct deposited (all pages including blank pages)
  • Last two months of personal bank statements for all other accounts (all pages including blank pages)
  • Last two months of statements for all pension, securities, investment, 401ks, etc.
  • Copy of driver’s license and SS card
  • Most recent mortgage statement (for all properties owned)
  • Most recent property insurance and tax bills (for all properties owned)
  • Current title insurance property (for subject property if refinancing)
Cliffco, Inc. dba Cliffco Mortgage Bankers NMLS #65328
1065 Old Country Road, Westbury, NY  11590
Direct:  (516) 408-7300
Toll Free:  (800) 834-4040
Toll Free:  (866) 562-6474
info@cliffcomortgage.com
Copyright © 2017 Cliffco, Inc. dba Cliffco Mortgage Bankers
Licensed Mortgage Banker NYS Department of Financial Services
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